Adler Insurance Inc

Navigating Medicare Healthcare

If you've paid into Social Security for 10 years, you qualify for Medicare Part A and Part B at age 65. The healthcare insurance coverage offered through Part A and Part B provides seniors with a safety net against costly illness or injury, however there are some gaps in Medicare coverage that could make signing up for a Medicare Advantage plan the best idea. Adler Insurance brings you these tips for navigating Medicare health plans.

Unlike Part A and Part B Medicare, Medicare Advantage plans are offered by private insurance companies, although the total coverage offered by these, plans can differ from insurer to insurer, all Medicare Advantage plans must provide, at a minimum, comparable coverage to what is offered by the government-run Part A and Part B.

What is covered?

Part A Covers

Hospitalization

Part B Covers

Lab services

X-rays

Mental health services

Other healthcare services

Medicare A and B fall short because they don't provide coverage for prescription medicine. In order to obtain insurance coverage for medicine, seniors can either sign up for a separate drug plan, known as Part D, or enroll in a Medicare Advantage plan that offers drug coverage.

Medicare Advantage plans are a better solution as it covers the gaps in coverage in the Part A and B plans.

Another advantage of Medicare Advantage plans is that they can include more coverage for vision and hearing loss. Part A only pays for vision loss that's associated with a medical emergency or traumatic injury requiring hospitalization and Part B doesn't pay for routine eye exams and only pays for eye glasses if they're required following cataract surgery. Seniors are likely to also pay more for hearing-related health care on traditional Medicare than they do on a Medicare Advantage plan.

Adler Insurance in Prescott can help take the headache out of medicare advantage plans! Call us today 928-710-1455